Wallet Screening API for Payouts, OTC & P2P Settlement

Screen a destination or counterparty wallet's risk before you pay out or settle — via API. Get a 0-100 risk score and risk signals before funds move, so you can approve, route to manual review, or escalate.

Who It's For

Payment processors & gateways

Screen the destination wallet before releasing a merchant payout.

OTC desks

Check a counterparty wallet before settling a trade.

P2P platforms

Review a counterparty address before a trade clears, including USDT-TRC20 flows.

Exchanges

Add a wallet risk check to withdrawal or deposit review.

Compliance teams

Automate a first-pass wallet risk review and route elevated risk to a human.

The Screening Workflow

1

Payout or settlement request

A user requests a payout, or a counterparty is about to settle. You have the destination/counterparty address.

2

Wallet screening API call

Call the API with the address; the network is detected from the address format. EVM addresses default to Ethereum, so specify the network for other EVM chains (e.g. Polygon, BSC, Arbitrum). Sandbox-first: test the call with a sandbox key before production.

3

Review the risk score & signals

Read the 0-100 risk score, pattern flags, fund-flow exposure, counterparties/labels where available, and sanctions checks where supported.

4

Approve, review, or escalate

Auto-approve low-risk addresses, route elevated risk to manual review, and hold or escalate high-risk ones — before funds move.

What the Screening Call Returns

  • A 0-100 risk score and risk level
  • Pattern flags (risk signals such as mixer interaction or suspicious activity)
  • Fund-flow exposure and top counterparties
  • Labels where available (exchange, service, and known-entity tags)
  • Sanctions checks where supported (coverage varies by network)

These are risk signals to support your review — not a guarantee. See the full blockchain analytics API for endpoints, response schema, and code examples.

USDT-TRC20 / TRON payout flows

USDT-TRC20 is common in payout and counterparty flows, so screening T-addresses before a payout or settlement is a frequent need. The API scores Tron addresses and reviews USDT-TRC20 counterparties alongside other networks. See the Tron wallet checker for the TRON-specific view.

Try It Before You Wire It In

Sandbox-first: create a free sandbox API key (prefixed ocr_test_), test your integration against real endpoints, then upgrade to a paid key for production. No sales call required.

Create a free sandbox key

Frequently Asked Questions

Can I screen a wallet before a payout via API?

Yes. Call the API with the destination or counterparty address and read the 0-100 risk score and signals before funds move, so you can approve, route to manual review, or escalate. Sandbox-first: test with a free sandbox key first.

Does it check sanctions?

Sanctions checks are applied where supported — coverage varies by network, and a clear result is not a guarantee. Matches surface as risk signals in the response.

Does it work for USDT-TRC20 / TRON?

Yes. Tron is supported, and USDT-TRC20 counterparties are reviewed alongside other networks — useful since USDT-TRC20 is common in payout and counterparty flows.

Does this replace my compliance or KYT program?

No. OnChainRisk surfaces risk signals to support your review. It is not a guarantee that a wallet is clean, not legal advice, and not a full compliance or KYT program replacement. Use it alongside your own process.

OnChainRisk surfaces risk signals to help you review wallets before funds move. It is not a guarantee that a wallet is clean, not legal advice, and not a full compliance or KYT program replacement. Sanctions checks apply where supported; coverage varies by network.